Check Your Home This Fall

It is important for you to maintain your home in Colorado at all times. Every year, people encounter losses during the winter months – and many of these can be prevented. There are some things that you can check during the fall to protect your home in a variety of ways.

Indoor Checks

Inside the house, there are various things that you will want to take care of. One of the simplest is to reverse your fans. By reversing the fan direction, the warm air is redistributed more effectively.

Another thing you’ll want to do is clean your chimney if you have one. There are licensed chimney sweep that can clean your fireplace professionally so that you don’t have to do it. You will also want to have a professional AC company come out to check your heater and ensure that everything is working properly.

Outdoor Checks

There are quite a few things that you can do outdoors as well. One of the first things that you should do is clean out the gutters of your home because it can lead to an ice dam during the winter.

You will also want to check on your roof to see if there are any loose or missing shingles. This can be done by a professional roofing company. By going through the inspection, you can ensure that ice, rain, and snow are not going to be an issue for your roof.

It is also a good idea to check for cracks in your driveway and patio. As the snow falls and the temperatures drop, cracks can become significantly more dramatic. There are driveway fillers that allow you to repair damages.

At Alliance Insurance Services, we are here to help you with homeowners insurance. We have experience working with top insurance companies across Colorado. When you want to protect your home in Arvada, let us build a comprehensive policy that works for your home and your budget.

 

Learn The Myths Surrounding Life Insurance In Fort Collins, Co

There are a lot of myths surrounding life insurance. When you live in Fort Collins, you want to make sure that you know as much about life insurance as possible in order to make educated decisions when purchasing a policy.

Many people have employer-provided life insurance. Many people also believe that this is the only policy that they need. The problem is that the employer may only provide you with one or two times your annual salary – and this will include commissions or bonuses. This may not be sufficient to cover everything you want it to. Think about how much money your family would actually need in order to survive. The award amount should cover burial expenses, living expenses, as well as some debt.

There is also the myth that life insurance is really expensive. It doesn’t have to be, especially when you work with independent insurance agents who can talk to you about term versus whole life policies and get quotes from different companies.

Another myth is that people should buy term life insurance and then invest the difference. Whole and universal life are associated with cash values and can end up being more affordable because you have life insurance coverage for your entire life.

People also talk about being too young to worry about purchasing any kind of life insurance. It is actually more affordable when you are younger because you’re less likely to have any kind of medical conditions.

At Alliance Insurance Services, we’re here to help you find life insurance that you can count on. Call today and talk to one of our agents to learn about the options and get quotes on an affordable policy. Our goal is to help you find a policy and debunk some of the myths that are out there.